Is there any hope for me?

Yes, public transport.

The insurance agencies really need a way to recommend the government take someone’s license when they’re a public danger like this.

Keeping people like this off the road is one of the biggest reasons why every place needs robust public transportation systems.

Bro needs a bus pass

Sounds like my wife's asshole cousin who has been in so many crashes and totaled so many cars at this point that he's had his license taken away and has to get around Indianapolis on a scooter. And he's in his 20s.

I remember the day at a family function when the roads were icy him bragging to us about how he made it down to the function doing 80 on icy roads and sliding around everywhere but didn't crash. Seriously, he was bragging about it as if it made him Mario Andretti.

His dad is a doctor, so I'm guessing he was paying that high insurance for quite some time, but no longer. His dad also bought him a Cadillac which, obviously, he totaled. I love his dad, he's my GP, but he has a big blind spot when it comes to his son.

So best case for someone like this: don't drive. Get other people to drive you, use public transportation, get a bike, etc. But this is probably America and that is 100% not possible everywhere. Or even most places.

There is another option: State-Owned High-Risk Auto Insurance. These are insurance plans owned by individual states. Because US states all require auto insurance to drive a car and because driving a car is goddamn necessary in a lot of America, this exists.

It's VERY expensive. Like when I was looking at getting good coverage for 2 newish cars I was staring down $500/6mo. Our state's high-risk was $2,000+. But it exists for people like in the post who are just too expensive for ordinary insurance companies to want to insure.

I legitimately don't get people who can't drive. It's actually ridiculously simple to not break the law or get in an accident. I've never had a ticket or been in an accident. Closest was I slid on ice and hopped a curb once, but there was no damage at all because, get this, I was driving slow enough for the bad weather conditions :0

Maybe you should learn how to fucking drive?

Never thought I'd take the side of an insurance company.

My suggestion would be to:

• Move to a place where not driving is a viable way of getting about. If you already live there, great!
• Get a lifetime transit pass and consider getting a bicycle
• Ditch your car and never look back

I got quoted $840 a month for insurance. Clean accident history. Insurance is bullshit levels of expensive.

As your attorney I advise you to buy a bus pass.

How tf do you even get a water bottle under the brake pedal?

So, basically, he had one accident per year. And he is not smart enough to understand that the universe is trying to tell him "Don't drive a car, then!"

Sounds like someone should have their license revoked.

this is markets working. this is why we want police to have to carry insurance.

Sure, keep driving like that, with some luck you kill a person. Fr walk, use bicycle or bus before that happens.

I don't think car insurance is your biggest problem

Come to think about it I think the reason why us americans associate giant SUVs and trucks with safety is because we've gotten so lazy relying on computers and finicky cameras that get covered in mud that I personally feel safer driving my 56 bel air over modern cars because I'm able to physically move my head to see the crap around me not to mention the transmission being a two speed automatic it has a hard time getting to dangerous high speeds but I suppose that doesn't really matter when everyone else is blind quite frankly I would love a car with modern crash safety and handling while still having the ridiculous lack of blind spots that 50s cars had I actually praise the vw golf for having not only a backup camera that doesn't get dirty while not doing that stupid thing where for some reason a lot of auto manufacturers think we have a backup camera lets jack the rear seats so the driver has to use the camera that gets covered in mud or make the rear windshield flat enough to become unusable during winter thank you Volkswagen for not doing that with the golf I can have the backup camera and my physical neck to look behind me

I saved money on my car insurance by not having a car. Who would want to leave the basement anyways?

We should get this guy in a smart car as an option on twisted metal.

4.8 rating on Lyft